Natural hazards · North Harmony

North Harmony, NY natural hazards

Most of the natural-hazard damage FEMA expects in North Harmony comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 22 claims here since 1979. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is North Harmony?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Harmony to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What North Harmony faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

88% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does North Harmony flood?

Every paid claim on a federal flood insurance policy in North Harmony, from FEMA’s records.

22paid claims since 1979

$96Kpaid to owners

2homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. North Harmony isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Chautauqua County.

Disasters that hit North Harmony

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in North Harmony itself: aid to households, or repair grants to the Town of North Harmony.

Brought FEMA money into North HarmonyDeclared for Chautauqua County only

2014

Severe Storms and Flooding

$52K to the Town of North Harmony for repairs

2005

Severe Storms and Flooding

$12K to the Town of North Harmony for repairs

2004

Severe Storms and Flooding

$18K to the Town of North Harmony for repairs

2001

Snow

$11K to the Town of North Harmony for repairs

2000

Snow

$7K to the Town of North Harmony for repairs

1999

Snow

$4K to the Town of North Harmony for repairs

Chautauqua County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around North Harmony

North Harmony and the towns around it

Very lowLowModerateHighVery high

North Harmonymostly inland floodingHigh

Harmonymostly inland floodingModerate

Panamamostly inland floodingModerate

Chautauquamostly inland floodingModerate

Bustimostly inland floodingLow

Shermanmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. North Harmony covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of North Harmony. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across North Harmony total about $1.3M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.